April 25, 2024

Citi ThankYou Rewards is the cardboard issuer’s reply to comparable versatile rewards applications from American Specific, Capital One, and Chase. You may earn factors within the Citi ThankYou Rewards program with a collection of bank cards from Citi, together with each money again bank cards and journey bank cards. That mentioned, you may unlock a wider collection of redemption choices for rewards if you happen to go for a Citi journey bank card just like the card_name.

The excellent news about Citi ThankYou Rewards is the very fact these factors are really easy to earn. You may join Citi bank cards to earn beneficiant welcome presents upfront, but you may as well earn factors for every greenback you cost in purchases to your card. From there, Citi ThankYou factors are value a median of 1.8 cents every relying on the way you redeem them. We’ll break down all of the methods you should use Citi ThankYou factors and every choice’s common level values within the sections under.

How did we decide the worth of Citi ThankYou factors?

The worth of Citi ThankYou factors relies on how a lot numerous redemption choices yield, together with money again, reward playing cards, journey by way of the Citi portal and transfers to Citi airline and resort companions. Notice that the typical worth of rewards is boosted by the outsized redemptions you will get with Citi airline and resort companions when redeeming miles for a premium journey redemption.

Additionally word that the utmost common worth of Citi ThankYou factors (1.8 cents per level) is based on having a Citi journey bank card just like the card_name or the older—but nonetheless precious—Citi Status® Card, which is not accepting new candidates. Should you go for a Citi bank card that’s geared to incomes money again as a substitute, you may get a decrease common level worth total.

Bank cards that earn Citi ThankYou factors

There are a number of bank cards that earn Citi ThankYou factors. The correct card for you is dependent upon which classes you spend probably the most in and the way you need to redeem rewards.

Now not accepting new candidates

AT&T Factors Plus® Card from Citi

Now not accepting new candidates

What’s the worth of Citi ThankYou factors?

The worth of Citi ThankYou factors relies upon largely on the way you determine to money them in. Here is a rundown of the typical values for these factors primarily based on the out there redemption choices.

Reserving by way of the Citi ThankYou journey portal

First off, it’s best to know that the Citi ThankYou program has its personal journey portal that works just like the Chase journey portal or AmexTravel.com. This portal enables you to ebook airfare, motels, automobile leases, and different journey instantly together with your factors for final comfort.

Level redemptions by way of the Citi journey portal are value one cent every irrespective of the kind of journey you redeem for. You probably have 30,000 Citi ThankYou factors, and also you go to ebook airfare, for instance, your factors can be value $300 in flights.

The excellent news in regards to the Citi journey portal is the very fact you possibly can ebook with a mixture of factors and money. Should you had 30,000 Citi factors and located a flight for $400, for instance, you would redeem your rewards for a $300 price discount, pay the $100 remaining fare in money and ebook the precise flight you needed.

Transferring to companions

Citi presents a variety of airline and resort companions that may provide distinctive worth if you know the way to make use of them. These companions embody each airways and resort companions, together with widespread choices like Air France /Flying Blue, Virgin Atlantic, Accor Stay Limitless and Wyndham Rewards.

Notice that buyers with a Citi journey bank card get entry to all of the switch companions in this system, whereas money again bank card prospects solely get entry to some. In the end, for this reason having the card_name or the older Citi Status® will get you the next common level worth total.

The chart under exhibits the complete checklist of Citi ThankYou switch companions and their switch ratios:

Citi ThankYou switch associate checklist

Singapore Airways KrisFlyer

Turkish Airways Miles&Smiles

How will you get a median worth of 1.8 cents per level or extra with Citi ThankYou companions? You are able to do this by shifting rewards from an eligible Citi account to a associate (often an airline, however typically a resort associate) and making a premium redemption from there.

Take into account this instance:

Think about you need to journey to Oslo, Norway in June of subsequent 12 months, and you’ve got a stash of Citi ThankYou factors to spend. You may switch your rewards to the Alternative Privileges program and get a switch ratio of 1:000:2,000, thus doubling your rewards to spend on motels. 

In that state of affairs, you would switch 8,000 Citi factors to this program, wind up with 16,000 Alternative Privileges factors and ebook the Consolation Lodge Grand Central in Oslo for 16,000 factors per evening.


Citi ThankYou rewards

This resort has a nightly money fee of two,549 Norwegian Krones in June, or $234 USD, so you’ll be getting a rewards worth of a bit of underneath 3 cents per level for the 8,000 Citi ThankYou factors you transferred.


Citi ThankYou Rewards

Now let’s take a look at an airline associate—particularly, Virgin Atlantic. Think about you needed to fly from New York Metropolis (JFK) to London, England (LHR). In that state of affairs, you might be able to ebook a one-way flight for as little as 10,000 factors plus $151.70 in economic system class.


virgin atlantic 1

For a similar journey date, nevertheless, you would ebook the identical flight for $466.20 in money. 


virgin atlantic 2

Whenever you subtract the $151.70 in airline taxes and charges, this leaves you with a worth distinction of $314.50. For the reason that flight would set you again 10,000 Virgin Atlantic factors that switch from Citi at a 1,000:1,000 ratio, this will get you some extent worth of over 3 cents per level.


amazon and pay pal

You can too use Citi ThankYou factors to make purchases on Amazon.com, and doing so will get you a rewards worth of 0.8 cents per level. This implies 10,000 Citi ThankYou factors are value $80 in Amazon merchandise, which isn’t one of the best redemption however not half dangerous, both.

The identical redemption worth can be provided for purchases made by way of PayPal, which may embody any of the thousands and thousands of worldwide retailers that allow you to pay with this on-line fee platform.

Purchasing with different retailers


cvs and walmart

You can too redeem Citi ThankYou factors for merchandise with different retailers, together with Walmart and CVS. Nonetheless, the redemption values usually are not nice in any respect since you need to redeem 1,250 Citi ThankYou factors for $10 in merchandise.

Additionally, you possibly can solely redeem rewards at these retailers in blocks of $10 for 1,250 factors, so this may go away you paying the money distinction for purchases even when you might have additional Citi factors to spare.

Money again worth

Having the card_name, Citi Status®, the card_name, the card_name, or the AT&T Factors Plus® Card From Citi helps you get a rewards worth of 1 cent per level on this class.

Citi bank cards additionally allow you to redeem for money again within the type of assertion credit, direct deposit, or a examine within the mail.

Present playing cards worth

You can too redeem Citi ThankYou factors for a broad vary of reward playing cards from eating places, retailers, journey manufacturers, and extra. The purpose worth you will get for reward playing cards varies, however you possibly can simply get one cent per level in worth if you happen to’re versatile on the kind of reward card you get.


lowes

You may typically even get a couple of cent per level in worth attributable to Citi’s reward card “gross sales” that change over time. Here is an instance of a $25 Hulu reward card you possibly can redeem for two,250 factors. You may additionally get a $100 Hulu reward card for 9,000 factors.

Citi ThankYou factors calculator

The Citi ThankYou factors calculator will help you determine what your rewards are value primarily based on how you propose to redeem them.

Different playing cards to Citi ThankYou factors 

Citi ThankYou factors are a versatile rewards foreign money you possibly can earn with numerous Citi bank cards, however there are different versatile currencies on the market. The preferred applications embody Chase Final Rewards, American Specific Membership Rewards and the Capital One Miles applications.

Every of those applications provide the choice to redeem rewards by way of a journey portal or switch factors to varied airline and resort applications in case you have an eligible rewards bank card. Nonetheless, every program has its personal distinctive switch companions to be taught and perceive, so you may need to examine these applications earlier than you determine.

Additionally, Chase Final Rewards, American Specific Membership Rewards, and Capital One Miles let customers redeem rewards for non-travel choices like money again, reward playing cards, and merchandise, albeit with totally different rewards values total. 

Should you’re desirous about testing options to the Citi ThankYou Rewards program, take into account the next applications and rewards bank cards:

American Specific Membership Rewards

  • Platinum Card® from American Specific
  • American Specific® Gold Card
  • Capital One Enterprise Rewards Credit score Card
  • Capital One Enterprise X Rewards Credit score Card
  • Chase Sapphire Most popular®
  • Chase Sapphire Reserve®

Easy methods to mix ThankYou factors

The Citi ThankYou Rewards program lets customers mix all their rewards factors in a single account supplied all factors belong to the identical particular person. To do that, Citi says it’s best to log into your Citi account and head to the part that claims “Handle My Account.” From there, you choose the choice to “Mix My Account” from a drop down menu.

There could also be notable advantages that come about if you happen to mix Citi ThankYou factors throughout a number of playing cards and also you occur to have the Citi Premier® Credit score Card or the Citi Status®. On this state of affairs, combining Citi factors from different Citi ThankYou playing cards into your Citi journey card account would unlock the potential to switch factors to all Citi ThankYou airline and resort companions as a substitute of just some.

Easy methods to share ThankYou factors

You can too share Citi ThankYou factors with another person and with out incurring any charges. There are some “gotchas” although with this selection, so be sure you learn the superb print and perceive the phrases earlier than you progress your factors to a different particular person’s account.

Basically, Citi enables you to share as much as 100,000 Citi ThankYou factors with one other particular person inside a calendar 12 months; the identical most applies to what number of factors somebody can obtain. Nonetheless, shared factors have to be used inside 90 days of the switch or they change into invalid. This implies it’s best to solely switch factors to a different particular person if they will use them straight away. 

Additionally, individuals who have the Citi Double Money® Credit score Card usually are not eligible to share factors.

What are the worst makes use of of Citi ThankYou factors?

You may redeem your rewards nevertheless you need, and there is no have to really feel dangerous about getting lower than optimum worth. Nonetheless, some redemptions are much less profitable than others. 

The worst makes use of of Citi ThankYou factors embody:

  • Purchasing by way of Amazon or PayPal.com (0.8 cents per level).
  • Merchandise by way of Walmart or CVS (0.8 cents per level).
  • Level transfers to companions that offer you lower than one cent per level in worth.

On the finish of the day, it’s best to at all times attempt to get at the least one cent per level in worth for Citi ThankYou factors. In any case, all Citi playing cards out there to new candidates at this time provide one cent per level if you happen to redeem for choices like money again or assertion credit, so that is the naked minimal you may need to shoot for.

Should you like to journey, you may as well get one cent per level in worth for airfare, motels and extra by way of the Citi ThankYou portal. Even higher, transferring factors to companions can get you a median worth of 1.8 cents per level and doubtlessly greater than that.

TIME Stamp: Citi ThankYou factors are particularly precious for journey

The Citi ThankYou Rewards program is finest for individuals who journey and need to join a journey bank card just like the card_name. Nonetheless, Citi prospects with money again playing cards just like the card_name and the card_name nonetheless get entry to quite a lot of redemption choices, plus level transfers to a handful of airline and resort companions.

If you’re in search of a versatile rewards foreign money, nevertheless, you may additionally need to examine this program to American Specific Membership Rewards, Capital One Miles and Chase Final Rewards. Doing so will help you earn probably the most precious rewards primarily based in your regular spending and redemption habits.

Continuously requested questions (FAQs)

How a lot are 50,000 Citi factors value?

Should you redeem Citi ThankYou factors for money again, 50,000 factors could be value $500. Should you redeem for level transfers to companions, 50,000 factors are value a median of $900.

What number of Citi factors equal $1 greenback?

Usually talking, 100 Citi ThankYou factors equal $1.

How a lot is 10,000 Citi factors value?

A stash of 10,000 Citi factors could be value $100 in money again or a median of $180 in journey if transferred to airline or resort companions and redeemed correctly.

What does 20,000 Citi Factors get you?

You may redeem 20,000 Citi factors for $200 in money again or journey normally. Should you switch factors to an airline or resort associate first, you may get a median of $360 in worth.

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